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📍 Palm Beach County · West Palm Beach, Florida

Facing foreclosure in Palm Beach County? You have more options than you think.

Free, honest help for Palm Beach County property owners facing tax or mortgage foreclosure — plus how to claim surplus funds you may be owed after a sale. House or land, keep it or sell it. No pressure, no fees.

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The quick facts

Palm Beach County foreclosure — what you need to know

Foreclosure typeFlorida is a judicial state — mortgage foreclosures go through the Circuit Court.
Who runs the salePalm Beach County Clerk of Courts (online foreclosure & tax-deed auctions).
Surplus funds held byPalm Beach County Clerk of Courts — claimable by the former owner.
Surplus deadlineFormer owner has priority, generally within 60 days of the clerk's notice (Fla. Stat. §45.032).
Tax deed surplusHeld by the Clerk after a tax-deed sale (Fla. Stat. §197.582).
⚙️ Sample page — Palm Beach County data shown for illustration. In production every county page is auto-populated & kept current from our county data engine, then attorney-reviewed.
Know all your options

Every path forward in Palm Beach County,
explained honestly

There's rarely just one answer. Here are the real options Palm Beach County property owners have — including the ones that don't involve us at all.

Keep your property

Loan modification, repayment plans, forbearance, or a Palm Beach County tax payment plan may let you keep it. We'll point you to free, HUD-approved counselors near West Palm Beach who help with this.

Stay in place

Sell on the market

If you have time and equity, a traditional sale in West Palm Beach may net you the most. We'll tell you honestly when this is your best move — even though it isn't us.

Maximize price

Recover surplus funds

If your Palm Beach County property already sold at auction for more than you owed, that extra money may belong to you — not the bank or the county. Most people never claim it.

You may be owed money

Sell fast for cash

Need to move quickly or beat the auction date? A direct cash sale — house, land, or commercial in Palm Beach County — can close in days. One option we may offer directly, clearly disclosed, never pushed.

Speed & certainty

Deed in lieu / settlement

Handing the property back, or settling the tax debt, can sometimes protect your credit better than a full foreclosure. We'll explain when it makes sense in Palm Beach County.

Protect credit

Just get clarity first

Not ready to decide? That's okay. Start by understanding the full Palm Beach County picture before you do anything at all.

No pressure
Every kind of property

Help for every property type
in Palm Beach County.

House, land, or commercial — the process differs, and so does the surplus. We cover all three here, in Palm Beach County and across Florida.

House foreclosure in Palm Beach County

Mortgage foreclosure on a home in West Palm Beach or nearby — your rights, the Circuit Court timeline, and how to keep it or sell before the sale.

Land foreclosure in Palm Beach County

Vacant lot or acreage behind on taxes? Tax-deed foreclosure on Palm Beach land works differently — and surplus funds are common here.

Commercial foreclosure in Palm Beach County

Storefront, office, or multi-unit in trouble? Your options for commercial property in Palm Beach County, including a fast, clearly-disclosed cash sale.

💰 The money most Palm Beach owners never claim

Did your Palm Beach County property sell for more than you owed?

When a property in Palm Beach County sells at a mortgage-foreclosure or tax-deed auction for more than the debt owed, the leftover — called surplus funds — is held by the Palm Beach County Clerk of Courts and often belongs to you, the former owner.

But there's a catch: the clock is ticking — generally 60 days from the clerk's notice under Fla. Stat. §45.032 — and others comb these records to claim it first. Most owners never even know it exists.

Check if you're owed money in Palm Beach County
$0+
Typical surplus left unclaimed after a foreclosure or tax sale*
*For illustration. Actual amounts vary widely by property, sale, and county. We'll help you find out what (if anything) you may be owed in Palm Beach County — at no upfront cost.
0FL Counties Covered
60Day Surplus Window
$0Cost To You
Palm Beach County courthousePhoto: Michael Rivera / Wikimedia Commons (CC BY-SA 4.0)
Local · Palm Beach County

Foreclosure in Palm Beach County

If your property is in Palm Beach County, your foreclosure case is heard by the Fifteenth Judicial Circuit Court in West Palm Beach, the county seat, and administered by the Clerk of the Circuit Court & Comptroller. Foreclosure auctions are held online at mypalmbeach.realforeclose.com, generally on weekday mornings, and bidders must register and meet advance deposit requirements before they can take part. With a high volume of cases moving through this circuit, it is worth confirming your scheduled sale date with the Clerk and understanding your rights well before the auction.

CourtFifteenth Judicial Circuit Court
ClerkClerk of the Circuit Court & Comptroller, Palm Beach County
Population1,582,055 (2024)
AuctionsOnline — mypalmbeach.realforeclose.com

Palm Beach County, formed in 1909 from the northern part of what was then Dade County, is the second-largest county in Florida by land area, covering about 1,970 square miles.

Official Palm Beach County resources: Clerk of Court · foreclosure auction portal

Questions

Palm Beach County foreclosure FAQ

Is Palm Beach County a judicial foreclosure county?+

Yes. Florida is a judicial foreclosure state, so a Palm Beach County mortgage foreclosure goes through the Circuit Court and the sale is conducted by the Palm Beach County Clerk of Courts.

How do I claim surplus funds after a foreclosure in Palm Beach County?+

If a Palm Beach County property sells for more than was owed, the surplus is held by the Clerk of Courts. Under Fla. Stat. §45.032 the former owner has priority to claim it — generally within 60 days of the clerk's notice. You file a claim with the Palm Beach County Clerk with proof of prior ownership.

Can I still sell my house in Palm Beach County after foreclosure starts?+

In most cases yes — you can sell any time before the foreclosure auction, and a sale that pays off the debt stops the foreclosure. We'll help you understand the Palm Beach County timeline.

Get your free Palm Beach County options guide

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💡 Free official help: Reach a HUD-approved housing counselor near West Palm Beach at no cost — 1-800-569-4287 or the CFPB counselor finder. Palm Beach County foreclosure & tax-deed sales are administered by the Palm Beach County Clerk of Courts. We always point you to these — even though they aren't us.